A couple took out a $389,000.00 mortgage ten years ago. The original terms called for 30 years of monthly payments at a 6.12% APR. The couple has made all payments over the last 10 years. Currently, the couple is considering re-financing their mortgage. The couple has been offered a chance to re-finance their mortgage balance. The new mortgage will be for 30 years at the lower rate of 3.72% APR with monthly compounding. The mortgage will call for monthly payments. What is the new monthly payment if the couple refinances?